Claims Management Company

Claims Management Company

About three months ago I was riding my new Ducati Scrambler. I overtook a bus when I couldn’t see properly and had a head-on with a bicycle coming from the other direction. Thankfully, neither of us was going fast.

I had only had it six days, four hours and 37 minutes (not that I was counting… yes, I am gutted).

The accident was totally my fault and I apologised to the cyclist. Thankfully, he didn’t get hurt. He was also a really nice chap and said that because his bicycle was really old, not to worry about an extra scratch or two. I reported the accident to my insurer and told them it was my fault.

I have fully comprehensive insurance and just want my bike fixed. However, my insurer then passed my details on to a claims management company, who told me I can have a free hire bike and there is a ‘pot of money’ that will pay me out. I have said no, but the claims management company said I can sue the bicycle rider, but I don’t see how and I will not lie.

The claims management company said it will be ok as all these cases settle without going to court.

Answer

It sounds like you are an honest person. Don’t change for this absolute bunch of snakes.

Firstly, if you have fully compensative insurance and you want to claim for your damaged bike, then speak to your actual insurer, i.e., the underwriter and not your insurance broker or the claims management company, etc. You paid for insurance and they have to pay out if you claim. It’s as simple as that.

As for the claims management company, make a complaint to them, whoever put you in contact with them and the Financial Ombudsman Service Limited (they have been set up by Parliament to sort out complaints about financial businesses) as well.

The behaviour of this claims management company is unacceptable. There is no ‘pot of money’ waiting for you as the accident was your fault. Whatever you do, do not let this claims management company talk you into lying or signing any false documentation. It is illegal, simple as that. Anyone found deliberately lying to win a claim could get banged up in prison.

Andrew ‘Chef’ Prendergast

Motorcycle Monthly July 2019

Disclaimer: The legal advice and statements contained within this/these articles is correct at the time of printing. If you are seeking legal advice after a motorbike accident please contact us to speak directly with one of our lawyers.

Comments

  1. Vince SciclunaFebruary 15, 2020

    Sound advice as always Andy.
    It may have been cheaper in the long run to have just fixed his Ducati at his own expense rather than claim on his insurance as the claim will come back to haunt him and follow him around for years to come

Leave a Reply

Your email address will not be published. Required fields are marked *

Posted by Andrew Prendergast. Last modified: February 10, 2020 at 9:38 am

Andrew has been riding motorcycles since he was 10 years old and currently rides a ZZR1400 as his daily commuter whether it is sunny or snowing. In addition, he is currently restoring an old Honda CB750 K1. Andrew practices across all areas of motorcycle law, with his practice involving both civil claims and motoring defence work.

About Motorcycle Monthly

Motorcycle Monthly Magazine Cover Image

The MCM legal column is compiled by managing partner Andrew 'Chef' Prendergast and his bike-riding barristers and solicitors at White Dalton Motorcycle Solicitors.

The firm deals with personal injury claims and its sister company, Motor Defence Solicitors, deals with all the motoring offences.

White Dalton lawyers have a vast knowledge of bike law, and they have full bike licences, too. They don’t act for insurance companies or the prosecution.

White Dalton is Britain’s premier specialist motorcycle law practice, and if its professionals don’t know the answer to your question, there probably isn’t one. Don’t rely on the advice from your insurance appointed solicitor, get proper independent advice.

Visit the Motorcycle Monthly website

More Andrew Prendergast Posts: